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ICICI Bank is set to announce its earnings for the fourth quarter ended March 31, 2026. The private lender is likely to post a steady performance in Q4 FY26 earnings, supported by robust loan growth and stable asset quality. However, margins may see mild pressure due to rate transmission.
On a quarter-on-quarter basis, there might be some improvement in profitability, aided by lower provisions and steady operating performance.
ICICI Bank Q4 results 2026 preview
ICICI Bank’s profit after tax (PAT) is expected to remain flat rising by only 0.38 per cent year-on-year to Rs 12,677 crore in the January-March period of FY26 against Rs 12,630 crore posted in the year-ago period. Sequentially, the PAT is likely to increase 12.01 per cent from Rs 11,318 crore in Q3 FY26.
The second largest Indian private lender’s NII (net interest income) may rise 7.17 per cent YoY and 3.56 per cent QoQ to stand at Rs 22,712 crore in the reporting quarter from Rs 21,193 crore posted in Q4 FY26 and Rs 21,932 crore in the last quarter.
Operating Profit is seen to rise to Rs 18,469 crore, a YoY growth of 4.56 per cent from Rs 17,664 crore in the same quarter of the previous fiscal. It could increase 6.41 per cent QoQ from Rs 17,356 crore in Q3 FY26.
Provisions are expected to jump to Rs 1,454, reporting a growth of 63.24% YoY from Rs 891 posted in the year-ago period. However, it might decline 43.10 per cent QoQ from Rs 2,556 crore in Q3 FY26.
Gross NPA Ratio may improve 18 bps to 1.48 per cent in Q4 FY2 against 1.67 per cent in the corresponding quarter of the previous fiscal and 1.53 per cent in the last quarter.
NIM might slightly fall to 4.25 per cent from 4.41 per cent in Q4 FY26 and 4.30 per cent in Q3 FY26.
ICICI Bank Q4 results 2026 Expectations
- NIMs: Consensus expects a 5bps fall in NIMs.
- Loan Growth: Expected at 4% QoQ.
- Deposit Growth: Expected at ~3% QoQ.
- Provisioning: Expected to fall off a high base in Q3FY26.
- ROA: Cost ratios to support an ROA of 2.25%.
ICICI Bank Q4 FY26 results: Key Monitorables
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- Deposit Growth: Whether a stronger-than-consensus deposit growth can be clocked.
- LDR: Whether LDR improves based on quarterly average balances.
- Strategy: Way forward with regard to growth and margins.
- Provisions: Provisioning trend post a difficult Q3FY26.
ICICI Bank Q4 results 2026 date and time
In an exchange filing earlier on March 18, ICICI Bank informed the bourses that the meeting of the Board of Directors of the company is scheduled on Saturday, April 18, 2026, to consider and approve the audited financial results (standalone and consolidated) for the quarter and year ended March 31, 2026.
“…we wish to inform you that the meeting of the Board of Directors of ICICI Bank Limited (“the Bank”) is scheduled to be held on Saturday, April 18, 2026, to, inter alia, consider and approve the audited financial results (standalone and consolidated) for the quarter and year ending March 31, 2026,” the private lender said in the exchange filing.
ICICI Bank had announced its Q3 FY2026 results on January 17, 2026 at around 1 PM. It is there expected that bank might declare its earnings for the January-March quarter of FY26 at around the same time today, April 18.
ICICI Bank Dividend announcement in Q4 results 2026
(Disclaimer: The above article is meant for informational purposes only, and should not be considered as any investment advice. ET NOW DIGITAL suggests its readers/audience to consult their financial advisors before making any money related decisions.)
